Ultimately, the only answer is a single-payer system. As long as you have private companies in the insurance business, there is a perverse incentive to screw their customers over.
Actually, this opens the door to other options by using the framework against itself. Strong copyright was used to implement copyleft. In the banking world you have credit unions that are structured to operate efficiently and for the benefit of depositors. On wall street, Vanguard is structured like a credit union for mutual funds.
I can see the eventual rise of a mutually held health insurer that can keep costs very low by removing profit skim and focusing on efficient care. Of course, the for-profit companies will fight it as hard and dirty as they do against single payer, but the new consumer-focused requirements of the ACA will probably make it easier to break into the market.